Motivational Factors and Use of Mobile Payment Services in Kenya

Abstract

The purpose of this study is to investigate the influence of motivational factors on the use of mobile payment services in Kenya. The findings revealed that intrinsic motivation factors, perceived ease of use (PEOU), and perceived enjoyment (PE) influenced consumer intention to use mobile payment services in Kenya; while extrinsic motivation factors such as perceived usefulness (PU) influenced consumer intentions to use mobile payment services in Kenya. The results also suggest that social influence did not affect consumer intention to use mobile payment services while perceived usefulness was the strongest factor. With a huge disparity in the use of mobile payment services globally, a study focusing on Kenya, which according to the latest mobile consumer readiness reports is the global leader in mobile payment use, will help understand the drivers behind this success that may be replicated in other countries.